First Carolina Financial Services
Southeast commercial banking and BankMobile student-refund payments.
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Profile
Operates a Southeast commercial bank and a national higher-education payments platform, earning lending spreads and fees while pairing relationship banking with BankMobile digital deposits.
Combines relationship-driven Commercial Banking across the Southeast with a nationwide Payments platform for higher-education disbursements. A branch-light local model provides real-estate and business lending, treasury services and deposits; Consumer Banking offers BankMobile digital accounts alongside local retail branches. Wealth Management supplies trust, planning and wealth-management services. Local market and product expertise support the relationship model.
Payments handles student-refund disbursements for institutions, earning institutional, account and debit-card fees while generating deposits that help fund lending. Operations depend on deposits, commercial-real-estate credit quality, higher-education relationships, Title IV compliance, transaction security and third-party technology providers.
Company facts
Key statistics
Year to date 0.0% · Average volume (30d) 82.5K
Analysts
No analyst consensus on record.
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 30, 2026Q2 FY26 | $0.21 | $0.20 | −3.0% | $34.1M | $32.3M | −5.4% | +0.97% |
| May 22, 2026Q1 FY26 | — | $0.24 | — | — | $33.1M | — | — |
Financial highlights
| 3 quarters | — | — | — | Q1 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | $31.5M | $50.7M | $53.5M | |
| Gross profit | — | — | — | $31.5M | $30.9M | $32.0M | |
| Operating income | — | — | — | $0 | $7.3M | $6.5M | |
| Net income | — | — | — | $4.7M | $5.9M | $5.1M | |
| Diluted EPS | — | — | — | $0.16 | $0.20 | $0.20 | |
| Gross margin | — | — | — | 100.0% | 60.9% | 59.8% | |
| Operating margin | — | — | — | 0.0% | 14.5% | 12.1% |
Balance sheet, Jun 30, 2026Cash & short-term investments $118.8M · Total debt $113.5M · Total assets $3.41B · Shareholders' equity $431.2M
Dividends
No dividends on record.
Ownership
Shares outstanding 30.25M · Float 9.87M · 32.6% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| Banc Funds Co LLC | 1.34M | 4.43% | 13F | Aug 13, 2026 |
| Wellington Management Group LLP | 1.18M | 3.90% | 13F | Aug 14, 2026 |
| Mendon Capital Advisors Corp | 700.0K | 2.31% | 13F | Aug 11, 2026 |
| RMB Capital Management, LLC | 642.7K | 2.12% | 13F | Aug 14, 2026 |
| Endeavour Capital Advisors Inc | 480.0K | 1.59% | 13F | Aug 7, 2026 |
Insider tradesForm 4
Nothing filed in the last 12 months.
View detailsPeers
- Truist Financial
Major Southeast rival for commercial loans, deposits, and treasury services.
- First Citizens BancShares
Raleigh-based scale bank contesting commercial loans, deposits, and wealth.
- Bank of America
National-bank rival for Southeast loans, deposits, and campus banking.
- Nelnet
Direct campus-payments rival in refunds, billing, and student financial flows.
- PNC Financial Services Group
Large-bank rival in commercial lending, deposits, wealth, and student refunds.
- Global Payments
TouchNet challenges BM Tech in campus commerce and student payment flows.
- Wells Fargo
Scale rival for Southeast commercial lending, deposits, and wealth services.
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| First Carolina Financial Services | $12.59 | −0.08% | $380.8M | 28.9 | 12.2 | 3.7 | — |
| Truist Financial | $53.13 | +5.37% | $62.83B | 12.0 | 10.6 | 2.1 | +6.5% |
| First Citizens BancShares | $2,194.07 | +0.07% | $24.99B | 11.7 | 11.7 | 1.7 | −5.5% |
| Bank of America | $62.30 | −0.04% | $442.26B | 14.4 | 12.7 | 2.3 | +19.3% |
| Nelnet | $127.37 | +0.08% | $4.58B | 15.3 | 15.3 | 2.5 | −33.6% |
| PNC Financial Services Group | $256.30 | +5.78% | $96.65B | 13.3 | 11.9 | 2.7 | +21.4% |
| Global Payments | $91.82 | +0.02% | $22.79B | — | 6.2 | 2.2 | +61.5% |
| Wells Fargo | $86.69 | +0.01% | $262.12B | 12.5 | 11.6 | 2.0 | +8.6% |
| Median | 12.9 | 11.7 | 2.2 | +8.6% |